Back Bay Financial Planning & Investments
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm works with individual and high‑net‑worth clients, offering discretionary investment management and project‑based financial planning on a fee‑only basis. It advises on a range of investments — stocks, bonds, mutual funds, ETFs, municipal securities, and cash equivalents — and may refer clients to third‑party professionals and outside managers.
Investment decisions draw on a mix of fundamental, technical, and cyclical analysis framed by Modern Portfolio Theory, with portfolios constructed using both passive and active vehicles and socially responsible options when requested. The firm routinely relies on outside managers and institutional platforms (including model portfolio and marketplace programs) and, notably, engages a sub‑advisor that implements box‑spread options contracts for lending purposes as part of its implementation toolkit.
What is distinctive is the firm’s small, recently established advisory team that operates with concentrated staffing and some solo‑practitioner characteristics despite having more than one registered advisor, and its recent transition to SEC registration. It also departs from many peers by explicitly incorporating fee‑based annuity recommendations through an insurance platform and by disclosing use of specialized lending strategies via an unaffiliated sub‑advisor.
Client services
Expertise
Fee options
Fixed fees ranging from $2,500 to $5,000 for project-based financial planning
$0 - $500,000: 1.25% $500,000 - $1,500,000: 0.75% $1,500,000 - $3,000,000: 0.65% $3,000,000+: 0.50%
$400 per hour after initial 5 hours covered by initial fee
Fee-only: Fee-only firm; compensation solely from clients
Main office
See office39682 Sunrise Court #303
Bethany Beach DE 19930
Advisors at this office
1
Offices (2)
Most active in
Delaware · District of Columbia · Maryland
Also doing business as
Back Bay Financial Planning & Investments · Back Bay Financial Planning & Investments, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Robert J
CFP®, CRPC®, TPCP®
Bethany Beach, DE
Back Bay Financial Planning & Investments
At Back Bay Financial Planning & Investments, we specialize in helping individuals and families navigate the transition into retirement—especially those relocating to, or already enjoying life along, the Maryland and Delaware coasts. We provide financial clarity and confidence so you can focus on what really matters: enjoying your life at the beach. What You Can Expect From Us: A Personalized Retirement Roadmap We build your financial plan around your lifestyle goals, values, and priorities. From income strategies to long-term projections, we design a plan built to evolve with you. Tax-Smart Planning We help you make the most of your income and investment withdrawals, with proactive strategies to reduce your tax burden now and in the future. Investment Management Our portfolios are thoughtfully constructed to reflect your retirement timeline and risk preferences—with a focus on keeping costs low and outcomes aligned with your goals. Estate & Legacy Coordination We’ll work alongside your attorney or help you think through your legacy wishes, ensuring your wealth passes smoothly and intentionally to the next generation. Ongoing Support & Real Conversations You’ll have a dedicated partner who explains the complex in plain English, stays in touch proactively, and adapts your plan as life evolves. We limit the number of clients we serve so we can deliver the kind of hands-on, highly personalized advice that bigger firms often can’t match. Our mission is simple: help you retire with confidence and live fully in the coastal community you love.
Matthew O
CFP®, Series 66
Annapolis, MD
Back Bay Financial Planning & Investments
Matthew O'Keefe is a CFP® with 16 years of industry experience, currently serving at Back Bay Financial Planning & Investments since 2026. He previously worked for Equitable Advisors and AXA Advisors, LLC from 2010 to 2026. Outside of his primary role, he is involved with TFG Private Wealth Management, providing investment advisory services and serving on its investment committee. Back Bay Financial Planning & Investments serves individual and high-net-worth clients with discretionary investment management and project-based financial planning on a fee-only basis. The firm employs a blend of fundamental, technical, and cyclical analysis alongside Modern Portfolio Theory to construct portfolios using both passive and active strategies, including socially responsible options when requested.
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